1. An Exciting New Service
INVEST Trust Services
An Exciting New Service

2. INVEST Trust Services
Allows you to meet the trust service needs of your customer base
Generates new revenue opportunity
You remain the “focal point” in the relationship with your customer.

3. A Strategic Partnership
INVEST
Representative
National Advisors Trust Company, FSB

4. National Advisors Trust Company
An Independent, nationally chartered trust company
Federal regulatory authority – Office of Thrift Supervision (OTS)
Member of Federal Deposit Insurance Corporation (FDIC)
Administers over $4 Billion in Assets

5. INVEST Trust Services
INVEST Financial Corporation and National Advisors Trust have entered into a Private Label Trust Services Agreement
INVEST is an authorized “Trust Representative Office” of National Advisors Trust

6. INVEST Trust Services INVEST Trust Services Can Administer:
Living Trusts
Charitable Trusts
Trusts Created by Will
Revocable Trusts
Employee Benefit Plans

7. What does it mean to you? Allows you to serve your clients better
Generate new revenue
You maintain a client relationship as a “Trust Relationship Manager - TRM”

8. How trusts better serve clients
Controls the wealth transfer process
Asset management
Tax benefits
Protection against disability
Addresses unique needs of family members
Orderly succession of assets to family

9. Transfer of Wealth
Over the next 15 years, an estimated $8.7 trillion of wealth will transfer between the generations

10. Where Will That $8.7 Trillion Go?

11. How Do You Benefit?
Strengthens and expands your bank’s client relationships
Protects your role as primary advisor
Connects you to your client’s total financial picture
Provides a competitive advantage
Increases and stabilizes your organization’s revenue, provides you with recurring revenue
Creates a link to trust beneficiaries

12. INVEST Representative = Trust Relationship Manger
How easy is it to become a
“Trust Relationship Manager”?

13. Trust Relationship Manager
National Advisors Trust
Bank
Client
National Advisors Trust to Client
Fiduciary Relationship
Bank to Client Relationship
Focal point of the relationship – Trust Relationship Manager
INVEST to National Advisors Trust
Authorized Trust Representative Office

14. How it Works You Serve Client as Trust Relationship Manager
You Identify Trust Account Prospect
Client Contacts You
You Collect Trust Information
NATC Considers Acceptance of Trust Relationship
You Send Trust Info to National Advisors Trust
National Advisors Trust Reviews Information
Establishment of Trust Account Relationship
Assets Transferred to National Advisors Trust
You Serve Client as Trust Relationship Manager

15. Five Opportunities to establish a New Trust Account Relationship
Client wants to create a new trust agreement
Transfer of an existing trust account from an existing trust company to National Advisors Trust
Family member, as trustee, appoints National Advisors Trust as successor trustee
Trusted professionals (attorney & accountant)
Successor Trustee

16. 1. Create New Trusts
Client creates a “Living Trust” Agreement & names National Advisor Trust as Trustee
National Advisor Trust accepts appointment as Trustee
INVEST as the Trust Representative Office appoints you as Trust Relationship Manager
Client Funds Trust Account with Cash

17. 1. Create New Trusts Typical Client Client Benefits
Wants “control” after wealth transfer
$1,000,000+ in assets
Current or past health issues
Need comprehensive wealth management
Need bill payment services
Client Benefits
Orderly transfer of wealth at time of death
Cost Basis tracking & step up basis at death
Keep relationship with you
Simplifies tax prep
Bill pay & account consolidation
Can be revoked
Professional asset management

18. 2. Transfer of an Existing Trust
National Advisors Trust replaces an existing trust service provider and serves as successor trustee
National Advisor Trust accepts appointment as successor trustee
INVEST as the Trust Representative Office appoints you as Trust Relationship Manager
Prior Trustee transfers trust assets to National Advisors Trust custodian

19. 2. Transferred Trusts For existing trusts:
With large trust institutions
In client’s previous state of residence
With family member(s) as trustee
Other financial services organization trust company

20. 2. Transferred Trusts Reasons Individuals Change Trustees
Lack of service or administration expertise
Lack of investment choices or investment expertise
Poor investment performance
Infrequent or poor communication
Increased fees

21. 3. Family Member(s) as Trustees
National Advisors Trust to replace an existing family member as successor trustee
National Advisor Trust accepts appointment as successor trustee
INVEST as Trust Representative Office appoints you as Trust Relationship Manager
Change registration of trust assets at custodian

22. 3. Family Member(s) as Trustees
For existing irrevocable trusts
Families with internal conflicts and pressures
Grantors who don’t want to burden family members
Families that lack the time or ability to serve as trustee
Improper trust accounting and administration
A solution to a long-term trustee need
Families dispersed throughout the country

23. 4. Trusted Professionals
National Advisors Trust replaces trust professional as successor trustee
National Advisor Trust accepts appointment as successor trustee
INVEST as Trust Representative Office appoints you as Trust Relationship Manager
Change registration of trust assets at custodian

24. 4. Trusted Professional For existing trusts
Most often they were default trustee due to lack of options in the community
Want to avoid the administration duties
Want to limit their liability exposure
Concerns about continuity
Lack of investment management skills and investment options
Non-profit organizations as Charitable Trustee

25. 5. Successor Trustee in Living Trust
A successor trustee becomes active when the current trustee is no longer willing or able to serve (upon death, incapacitation or resignation.)

26. 5. Successor Trustee
Named in Agreement of an existing (amendment) or new trust document
Provides your clients with continuation of service and professional service to beneficiaries
Provides a safety net and peace of mind for your clients
No fee until trustee begins to serve beneficiaries

27. National Advisors Trust Duties
Administer the trust according to the document
Is ultimately responsible for oversight of investment strategies
Make principal distributions
Maintain proper accounting- “Four Tier Trust” accounting
Report all account transaction on client statements
File the trust’s income tax return (if required)

28. Benefits of National Advisors Trust
Experience
Regulatory oversight (OTS, FDIC)
Well capitalized
Avoids family conflicts
Objective treatment for all beneficiaries
Ability to serve for multiple generations

29. INVEST Trust Services Continually providing new programs and services
Consistently meeting or exceeding your banks’ expectations for products, service, quality, and performance
Ensuring you are effectively trained so you are better able to serve your clients

30. With INVEST Trust Services, the INVEST Rep…
Remains linked to your clients’ financial plans & needs.
Receives professional assistance from a dedicated trust officer.
Receives compensation on funded trust accounts.
Expand service to your clients
Stays involved in your clients’ trust business after their death

31. Getting Started
Participate in Training Sessions and Receive Certification
Become familiar and comfortable discussing trusts with clients. Participate in training sessions.
Receive brochures and marketing letters
Create awareness in your community
Prospect existing clients
Prospect to beneficiaries and grantors of existing trusts
Create an alliance with local estate planning attorneys, tax advisors & planned giving professionals

32. A Strategic Partnership
INVEST Trust Services
National Advisors Trust Company, FSB